86 Pam Dr, Lancaster, KY 40444 Property Records

Garrard County property record for 86 Pam Dr, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 1998
Lot Size	2.4 acres (104,594 sqft)
Owner	2 Individual Names on File
Tax Bill	$163 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-12.17`

Property Details

APN / Parcel Number

Primary APN	`09-12.17`
Alternative APN	`6035`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	104,594 sqft (2.4 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	6035
Street Address	86 PAM DR
City	LANCASTER
State	KY
Zip	40444-8919
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23 BO-LANE SUB
Legal Subdivision	BO-LANE SUB
Legal Lot Number	23
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	2
Census Block	2010
Census Tract	970101

Owner

86 Pam Dr is owned and occupied by two individuals.

Source: Garrard County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	86 PAM DR, LANCASTER, KY 40444-8919
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Recording Date	Jul 14, 2026
Property Address	86 PAM DR, LANCASTER, KY 40444-8919
Document Number	0000218079
Book / Page	474 / 694
Instrument Date	Jul 6, 2026
Instrument	2026218079
Transaction Type	Mortgage
Record Updated	Jul 27, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 PAM DR, LANCASTER, KY 40444-8919

Mortgage

Document Number	0000218079,
Date	Jul 14, 2026
Book Page	474/694
Instrument	2026218079

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jul 31, 2041

Interest

Rate	5.79%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 86 Pam Dr was $163 with a homeowner's exemption, down 74% from the year before.

Source: Garrard County assessment roll, as of May 5, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Garrard County
Unified School District	Garrard County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$65,000 (-) Land $15,000 Building $50,000	$65,000 (-) Land $15,000 Building $50,000
2025	$163.00 (-73.96%) Homeowner's exemption	$65,000 (-) Land $15,000 Building $50,000	$65,000 (-) Land $15,000 Building $50,000
2024	$626.00 (-0.95%) Homeowner's exemption	$65,000 (-) Land $15,000 Building $50,000	$65,000 (-) Land $15,000 Building $50,000
2023	$632.00 (-43.32%) Homeowner's exemption	$65,000 (+2.52%) Land $15,000 Building $50,000	$65,000 (+2.52%) Land $15,000 Building $50,000
2022	$1,115.00	$63,400 Land $63,400	$63,400 Land $63,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 86 Pam Dr in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 2021.

Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	11 (2021–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 4 claims Severe Storms, Straight-line Winds, Flooding, And Landslides, Feb 2025 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 86 Pam Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GARRARD CO WATER ASSOC INC private · serves 14,806 people · EPA ID KY0400151
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20